Loan fixed so you don’t want a review?

This is something we hear from clients all the time “We will wait until our fixed loan comes off and have a review then”. This response could set you back tens of thousands of $$$ if your current mortgage structure isn’t personalised to you.

In many cases when you are buying a home your main focus is finding and settling on a house, and you are just relieved when the process is over and you have moved in. Often in the stress and chaos you may not have had the chance to sit down with an advisor to discuss and fully understand your options and mortgage structure. At Bricks & Mortgages we are passionate about showing you how to fast track your mortgage.

Have you ever looked at the interest you can save by taking some simple positive steps towards your mortgage? Waiting until your loan expires means that you may miss out on 12 months or more of opportunity to save interest on your home loan. Or even worse a review gets missed and you re-fix without exploring your opportunity to fast track your mortgage. Our clients are always shocked and pleasantly surprised when I sit with them for the first time and show them how many years they could shave off their mortgage and how much interest they could save. It’s one of those things you will wish you had made time for sooner. Even a small amount of money applied to your mortgage can save you a large amount in interest costs over the life of your mortgage.

The focus is often put on the cheapest interest rate but the true cost of your Mortgage is INTEREST + TIME. Consider interest on your home loan an expense that you have control over.

Take these simple steps:

Get advice independent from the bank (remember you are paying interest to them)

Review annually or more frequently if your circumstances change

Know the year and month that you will be mortgage free

Don’t put off today what could change your financial future in a big way. Give us a call today on 0800 55 76 54 or book in for a review below

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Praise

7

I have found Bricks and Mortgages act in a professional manner, are quick to take direction and come up with the results, I have purchased 3 properties with the help of Bricks and Mortgages, they are a major part of my advisory team of professionals. Beryl and David bring a wealth of knowledge in the area of finance structures.

Jeremy, Paraparaumu

5.0

2016-07-20T16:24:48+00:00

Jeremy, Paraparaumu

I have found Bricks and Mortgages act in a professional manner, are quick to take direction and come up with the results, I have purchased 3 properties with the help of Bricks and Mortgages, they are a major part of my advisory team of professionals. Beryl and David bring a wealth of knowledge in the area of finance structures.

http://bricksandmortgages.co.nz/testimonials/7/

Testimonial 1

Beryl Colley works very hard for her clients and goes the extra mile and never gives up until she gets a loan deal for her clients.

David Mckillop

5.0

2016-07-20T04:38:25+00:00

David Mckillop

Beryl Colley works very hard for her clients and goes the extra mile and never gives up until she gets a loan deal for her clients.

http://bricksandmortgages.co.nz/testimonials/testimonial-1/

4

We were referred to a mortgage broker who just happened to be an experienced property investor as well… Beryl Colley.

5.0

2016-07-20T16:22:48+00:00

We were referred to a mortgage broker who just happened to be an experienced property investor as well… Beryl Colley.

http://bricksandmortgages.co.nz/testimonials/4/

12

"Beryl has been our broker for the past three years, since our first investment property venture. In that time, largely thanks to Beryl we have reduced our time to retirement by over 10 years. Beryl gets great deals from lenders and takes almost all of the hassle out of home loan finance. We have had some unusual situations which Beryl has steered us through, always to a successful conclusion that brings us nearer to our goals. We are more than happy to recommend Beryl to other clients, whether they be financing their own home or investment properties."

Chris and Sandra

5.0

2016-07-26T02:59:23+00:00

Chris and Sandra

"Beryl has been our broker for the past three years, since our first investment property venture. In that time, largely thanks to Beryl we have reduced our time to retirement by over 10 years. Beryl gets great deals from lenders and takes almost all of the hassle out of home loan finance. We have had some unusual situations which Beryl has steered us through, always to a successful conclusion that brings us nearer to our goals. We are more than happy to recommend Beryl to other clients, whether they be financing their own home or investment properties."

http://bricksandmortgages.co.nz/testimonials/12/

6

We have been working with Beryl and the team at Bricks and Mortgages to get finance to buy our first investment property. They have been great to work with and have helped with any issues or questions we have had .It has made buying our first investment property an enjoyable journey .We are looking forward to working together again.

Nichola and Duncan , Pahiatua.

5.0

2016-07-20T16:24:23+00:00

Nichola and Duncan , Pahiatua.

We have been working with Beryl and the team at Bricks and Mortgages to get finance to buy our first investment property. They have been great to work with and have helped with any issues or questions we have had .It has made buying our first investment property an enjoyable journey .We are looking forward to working together again.

http://bricksandmortgages.co.nz/testimonials/6/

3

On behalf of Ina and my family, I would like to thank Beryl and David, Tania and Sarah for all the help in setting up our finance Its the best experience I ever had.

Keni, Wellington

5.0

2016-07-20T16:22:15+00:00

Keni, Wellington

On behalf of Ina and my family, I would like to thank Beryl and David, Tania and Sarah for all the help in setting up our finance Its the best experience I ever had.

http://bricksandmortgages.co.nz/testimonials/3/

Testimonial 2

Before we met Beryl we thought of the possibility of obtaining one rental property. But upon meeting her she inspired us to think outside the circle. Now 18 months later we have a substantial portfolio, far bigger than we ever thought possible.

Sarah

5.0

2016-07-20T04:38:48+00:00

Sarah

Before we met Beryl we thought of the possibility of obtaining one rental property. But upon meeting her she inspired us to think outside the circle. Now 18 months later we have a substantial portfolio, far bigger than we ever thought possible.

http://bricksandmortgages.co.nz/testimonials/testimonial-2/

8

During our first year of mortgage repayments we have been able to knock $30,000 of principle loan off our mortgage. This was possible because of the loan structure that was set up for us by Beryl. She clearly explained to us the best structure to start repaying our loan in the most cost effective way, based on our situation. If we had gone with a conventional bank set-up (which was the only way we know of before we met with Beryl) we would not be in the solid position we are now in with our mortgage. Her help and guidance has been exceptional.”

Anon

5.0

2016-07-20T16:25:17+00:00

Anon

During our first year of mortgage repayments we have been able to knock $30,000 of principle loan off our mortgage. This was possible because of the loan structure that was set up for us by Beryl. She clearly explained to us the best structure to start repaying our loan in the most cost effective way, based on our situation. If we had gone with a conventional bank set-up (which was the only way we know of before we met with Beryl) we would not be in the solid position we are now in with our mortgage. Her help and guidance has been exceptional.”